For businesses in low - risk areas, the NFIP offers
a preferred risk policy with coverage for both the building and contents for one low premium, or a contents only policy that's substantially less.
If you buy maximum coverage for a home with a basement, for instance, FEMA estimates
a preferred risk policy would cost around $ 474 per year.
However,
a preferred risk policy — the name for plans sold to customers in low - or moderate - risk zones — will likely be cheaper.
According to FEMA,
preferred risk policies start at just $ 129 a year.
Not exact matches
Driving the other camp are the tech companies and industry groups for whom the partisan deadlock on net neutrality
risks stalling business plans and distracts from other
policy debates they'd
prefer to be having.
While Chinese
policy has gradually shifted since its late recognition of the National Transitional Council of Libya, China still
prefers to support incumbent regimes rather than
risk assuming responsibility in the case of chaotic political transitions.
Rather, they argued, macroprudential
policies (financial regulation) would be the
preferred instrument to combat stability
risk — please see addendum below.
Nevertheless, powerful interest groups were able to use the climate of urgency created by the report to get their own
preferred policies enacted, even when the
policies were not recommended by
Risk.
As a
preferred provider of renters insurance across the country, Effective Coverage is familiar with the requirements of apartment communities like The Oaks, and is able to create a
policy that meets the requirements of your community and the requirements of your unique
risk profile.
Your
policy contemplates a wide variety of
risks, and you can add additional coverage — you can even make your
policy cover open perils if you
prefer.
Some people
prefer to be covered for more than these
risks, so they opt for what's called an «all
risk» or «open perils»
policy on their Allendale, NJ Renters Insurance.
By way of comparison, a 35 - year - old male,
preferred plus underwriting
risk, can buy a 30 - year term
policy with $ 250,000 death benefit at an annual premium of $ 260.
Further, that same 35 - year - old male,
preferred plus underwriting
risk, can buy a 30 - year term
policy with $ 500,000 death benefit at an annual premium of $ 440.
The average flood insurance
policy in the U.S. costs $ 700 per year, but renters who live in moderate and low -
risk areas get a
preferred rate.
Balanced Fund: A mutual fund, which has an investment
policy of «balancing» its portfolio generally by including bonds as well as
preferred and common stocks to achieve the highest return with lower
risk.
An all -
risk insurance
policy is more robust and is usually the
preferred option.
But in this case, given the
risk - management challenges we face and the
policy alternatives under consideration, it is our judgment that a carbon tax is a
preferred course of public
policy action versus cap and trade approaches.»
The amount you pay each month, or annually if you
prefer, is determined based on your preserved
risk as a
policy holder.
Minimizing the
Risk: Some
policies provide primary medical, personal - effects, and other coverages — much
preferred to secondary
policies.
As a
preferred provider of renters insurance across the country, Effective Coverage is familiar with the requirements of apartment communities like The Oaks, and is able to create a
policy that meets the requirements of your community and the requirements of your unique
risk profile.
Based on age, height, weight, and smoking status, individuals that fit within this classification are considered a low or «
preferred»
risk, and will often pay less premium than a standard
risk policy.
The I.I.I. estimates that, for example, the annual premium for a 40 - year - old male nonsmoker buying a $ 500,000 20 - year level term life insurance
policy in 2008 will be about $ 725 if he qualifies as a «standard»
risk and $ 350 if he meets the more stringent requirements of a «
preferred»
risk.
You might choose a convertible term
policy if you can only afford a less expensive term
policy now, but think you might
prefer and be able to afford a more expensive permanent
policy later and don't want to take the
risk that a change in your health could disqualify you from life insurance coverage.
American General also recognizes different people
prefer different styles of
policies for their different aversions to
risk, so they've offered the Elite Survivor Index II, which boasts multiple options for the
policy holder to choose from.
Some people
prefer to be covered for more than these
risks, so they opt for what's called an «all
risk» or «open perils»
policy on their Allendale, NJ Renters Insurance.
Your
policy contemplates a wide variety of
risks, and you can add additional coverage — you can even make your
policy cover open perils if you
prefer.
The I.I.I. estimates that, for example, the annual premium for a 40 - year - old male nonsmoker buying a $ 500,000 20 - year level term life insurance
policy in 2007 will be $ 615 if he qualifies as a «standard»
risk and $ 340 if he meets the more stringent requirements of a «
preferred»
risk.
The reason that a mutual company is
preferred verses a stock company is that the
policy holder is a «member» in a mutual company who «participates» in the insurance company's investment gains and skill in selecting
risk, as opposed to non-participating whole life insurance coverage from a stock company, where there are no dividends.
Although lenders generally
prefer permanent types of
policies because of the cash values, a term
policy is often sufficient if the borrower is a good credit
risk and the loan is very likely to be repaid unless he or she dies.
If you are a high -
risk driver, that means you will be unable to purchase the same
policies at the same rates as drivers who fall into the standard and
preferred categories.
Its auto insurance
policy is known for accepting high
risk drivers and may offer them more affordable rates than they would receive with a standard or
preferred auto insurance carrier.
The annual premium for a 40 - year - old male nonsmoker buying a $ 500,000 20 - year level term life insurance
policy in 2008 would have been about $ 725 ($ 60.4 monthly) if he qualified as a «standard»
risk and $ 350 ($ 29.2 monthly) if he met the more stringent requirements of a «
preferred»
risk, the I.I.I. estimates.
These include standard flood insurance
policies and
preferred risk flood insurance
policies.
Returns on endowment
policies are conservative but guaranteed and these are meant for
risk - averse individuals — those who
prefer a steady though moderate return rather than take high
risks for high returns.
Since their programs and
policies are designed primarily for
preferred or standard drivers, they can not offer the most competitive rates in most cases for drivers classified as high
risk.
According to FEMA,
preferred -
risk policies start at just $ 129 per year and the average cost of a
policy is about $ 600 per year.
Drivers that have been forced out of standard or
preferred auto insurance
policies because of different circumstances should take a look at their options for high
risk insurance in order to find the best prices.
The Assigned
Risk or High
Risk Auto Insurance
Policies often charges higher rates in your state, and is a last resort for licensed drivers that can not obtain car insurance coverage elsewhere in the
preferred or voluntary auto insurance marketplace.